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131 Charles St #0, Cambridge, MA, 02141

4beds
5baths
3,419sqft
$2,950,000
$863price/sqft
$18,321/moest. monthly cost
$732,840/yrincome needed

About This Home

Discover the perfect blend of luxury and modern living in this exquisite just built townhouse that comes with a separate STUNNING duplex Carriage House! This unique property offering has four spacious bedrooms, including two prime suites, 4.5 baths, a bright and inviting eat in kitchen and two family rooms on different levels. Contemporary finishes throughout and an open-concept layout, this home is ideal for both entertaining and everyday living. The sunken terrace gives a mediterranean feel- another unique must see feature! Whether you envision the Carriage House as a guest suite, a home office, or separate living quarters for in-laws, this versatile space offers endless possibilities and connects effortlessly on the lower level to the townhouse. Nestled in a desirable Kendall Square location, this award-winning architect designed property is a rare find!

Getting Around

95
WalkingWalker's Paradise
87
TransitExcellent Transit
98
BikeBiker's Paradise

Schools

5/10
Kennedy-Longfellow SchoolGrades PK-50.3 mi
8/10
Vassal Lane Upper SchoolGrades 6-80.3 mi

Construction

Condition

  • Year built: 2025

Materials

  • Roof: Shingle,Rubber
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Architectural style: Other (See Remarks)
  • Property subType: Condominium,Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator,Freezer
  • Laundry features: Second Floor,In Unit

Basement

  • Has basement: Yes

Bathroom1

  • Level: Third

Bathroom2

  • Level: Second

Bathroom3

  • Level: Basement

Bedroom2

  • Level: Second

Bedroom3

  • Level: Basement

Bedroom4

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: Basement

Features

  • Window features: Insulated Windows
  • Flooring: Tile,Hardwood
  • Finished area below ground: 1,560
  • Finished area above ground: 1,859

Heating & Cooling

  • Heating features: Central,Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 3,419
  • Total interior livable area: 3,419 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Level: Third

Property

Accessibility

  • Accessibility features: No

Details

  • Zoning: 000

Features

  • Entry location: Unit Placement(Back)
  • Patio & porch: Deck,Patio
  • Exterior features: Deck,Patio,Balcony,City View(s),Fenced Yard,Other
  • Fencing: Fenced
  • Has view: Yes
  • View description: City

Parking

  • Total spaces: 2
  • Parking features: Off Street,Deeded,Stone/Gravel,Exclusive Parking
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Tsunami

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $14,916$178,992
Home Insurance *$249$2,988
Property Taxes $2,482$29,784
Electricity $674$8,090
Total$18,321$219,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$628,148/yr
40% on housing$549,630/yr
45% on housing$488,560/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$863This listing

vs Other Active Listings

Avg $/sqft

ZIP 02141$537
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 02141$705
Middlesex County$413

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-04-30Listed for sale$2,950,000

For Sale by Agent

AgentAnn Charlotte Hogstadius
BrokerageRE/MAX Real Estate Center

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